How to Finance a Well Infused Franchise: IV and Hormone Therapy
A Well Infused franchise loan funds a wellness center that pairs IV therapies with bio-identical hormone therapy, functional medicine labs and regenerative treatments, all delivered under a medical director. Because the brand is young and the medical services run through a separate professional entity, lenders look at this project a little differently from an ordinary retail franchise.
This article explains what the 2025 Well Infused Franchise Disclosure Document (FDD) says about costs and structure, how that structure affects underwriting, and which financing options owners usually compare. US Medical Funding is not affiliated with, sponsored by or endorsed by Well Infused; the name is used only to describe the business. Figures from the franchisor’s disclosure document can change, loan programs vary, and every loan is subject to approval. Nothing here is legal, tax, billing or compliance advice.
Well Infused Franchise Loan at a Glance
- Franchisor: Well Infused Franchise LLC, a Wyoming limited liability company based in Naples, Florida, which began offering franchises on July 2, 2024 (2025 FDD)
- Concept: centers that arrange for medical services such as IV therapies, bio-identical hormone therapies, functional medicine labs and regenerative therapies, plus non-medical wellness products and services
- System size: 2 affiliate-owned centers and no franchised centers open at the end of 2024, with 3 franchise agreements signed but not yet open (2025 FDD)
- Initial franchise fee: $50,000 (2025 FDD)
- Estimated initial investment: $324,450 to $1,048,500 as stated in the 2025 FDD
- Royalty and marketing: 7% royalty and 2% brand fund on Gross Sales, plus local marketing of the greater of $500 or 2% of Gross Sales per month
- Franchise term: 10 years, with two 10-year successor terms available
- SBA Franchise Directory: listed (code S8852) with one note about real estate purchase options
What Is Well Infused?
Well Infused centers serve mostly adult clients looking for IV therapies, hormone therapy, lab-based functional medicine and regenerative treatments such as platelet-rich plasma injections. Centers also sell non-medical wellness products and services. The 2025 FDD notes that centers compete with med spas and doctors’ offices.
The franchisor was formed in July 2022 and began franchising in July 2024. According to Item 20 of the 2025 FDD, affiliates opened the first center in 2022 and a second in 2023; the FDD identifies affiliate-owned centers in Naples, Florida and Noblesville, Indiana. No franchised centers were open at the end of 2024, but three agreements had been signed, in Indiana and Texas.
For a lender, that means joining an early-stage system with little franchise history to compare against. Your own experience, your market and your capital will carry more of the credit decision. Our article on IV therapy clinic financing explains how lenders view this segment more broadly.
The Medical Services Structure
Well Infused franchisees do not practice medicine. According to the 2025 FDD, each franchisee signs a Management Services Agreement with a designated professional entity that supplies a medical director. The franchisee provides non-clinical administrative services in exchange for a monthly management fee, and must engage at least one nurse practitioner who administers certain medical services under the supervision of the medical director and the professional entity.
Item 15 states that owners are not required to personally participate in direct operations, but day-to-day non-clinical operations must be overseen by a general manager acceptable to the franchisor.
This arrangement matters for underwriting, because clinical revenue may flow through the professional entity. A lender will want to read the Management Services Agreement, understand how money moves between the two entities and know what happens if the agreement ends. Our article on who can own an infusion business outlines why these ownership questions come up, and healthcare counsel in your state should confirm the structure.
Well Infused Franchise Costs
The 2025 FDD, issued May 30, 2025, states a total estimated initial investment of $324,450 to $1,048,500.
Initial Franchise Fee and Project Management Fee
The initial franchise fee is $50,000, paid in a lump sum when you sign and not refundable. A $15,000 project management fee applies only if you use an independent general contractor with the franchisor’s consent.
Build-Out and Real Estate
Item 11 describes a typical center as 1,800 to 2,500 square feet. Leasehold improvements are estimated at $51,950 to $500,000, and three months of rent plus the security deposit at $6,000 to $36,000. The typical time from signing to opening is 6 to 12 months, so plan for rent and loan payments that may start before revenue.
Equipment and Supplies
Furniture, fixtures and equipment are estimated at $100,000 to $200,000 and opening inventory and supplies at $8,000 to $15,000. Item 8 lists designated vendors for items such as a halogenerator, electronic health record software, hormone therapy supplies and regenerative products, and estimates that about 90% to 95% of initial and ongoing spending goes to restricted purchases.
Item 7 Line Items
- Initial franchise fee: $50,000
- Project management fee: $0 to $15,000
- Training expenses: $2,000 to $10,000
- Three months of rent and security deposit: $6,000 to $36,000
- Leasehold improvements: $51,950 to $500,000
- Furniture, fixtures and equipment: $100,000 to $200,000
- Opening inventory and supplies: $8,000 to $15,000
- Signage: $4,000 to $20,000
- Permits and licenses: $2,000 to $6,000
- Insurance: $5,000 to $7,500
- Grand opening advertising: $10,000 to $15,000
- Professional fees: $1,500 to $4,000
- Computer system: $5,000 to $10,000
- Miscellaneous opening costs: $4,000 to $20,000
- Additional funds for the initial three months: $75,000 to $150,000
The high-end line items as printed add up to more than the FDD’s stated high-end total, so ask the franchisor to confirm the correct figure before you size a loan request.
Ongoing Fees and How They Affect Your Loan
According to the 2025 FDD, the main recurring fees are:
- Royalty: 7% of Gross Sales, paid monthly
- Brand fund: 2% of Gross Sales
- Local marketing: the greater of $500 or 2% of Gross Sales per month
- Technology fee: $400 per month
- Annual training: $995 per nurse practitioner and $495 per other trainee
- Transfer fee: 30% of the then-current initial franchise fee
- Successor fee: 50% of the then-current initial franchise fee
The FDD also lists a non-compliance charge and a higher royalty until a default is cured, plus lost revenue damages if the agreement is terminated. When a lender projects cash flow, it subtracts royalty, brand fund and local marketing from expected sales before measuring how much is left to cover rent, payroll, the nurse practitioner and debt payments. Build these percentages into your projections from the first month.
Franchisor Requirements for New Owners
We could not verify a published minimum net worth or liquid capital requirement for Well Infused, so ask the franchisor for its current criteria. The 2025 FDD does not require owners to work in the center but does require an approved general manager and a nurse practitioner, which means your staffing plan is part of your approval and part of your loan file.
Initial training totals 16 hours of classroom or online instruction and 32 hours of on-the-job training, according to the 2025 FDD.
Ways to Own a Well Infused Franchise
New Center
With no franchised centers open at the end of 2024, a new center is the main path today. That is a start-up request, and our page on infusion center start-up financing covers what lenders typically ask for.
Buying an Existing Center
Once franchised centers open, resales may become possible. Item 17 says transfers require approval, the center must have opened, the buyer must complete training and sign the then-current Management Services Agreement on request, and the franchisor has a 30-day right of first refusal.
Multiple Centers
The 2025 FDD we reviewed does not include an area development fee schedule, though the franchisor may discount the fee on later agreements at its discretion. Lenders typically want to see the first center stabilize before financing a second.
Financing Options for a Well Infused Franchise
SBA 7(a) Loans
An SBA 7(a) loan can cover the franchise fee, build-out, equipment, opening inventory and working capital in one package. Well Infused is on the SBA Franchise Directory, so the brand itself is eligible.
SBA 504 Loans
If you buy the building for your center, an SBA 504 loan may fit the real estate and major improvements. Item 7 assumes leased space, so this option applies only when ownership of the property is part of the plan.
Conventional Loans
Owners who already run a medical or wellness business may qualify for conventional practice loans, which follow each lender’s own underwriting rules.
Equipment Financing
The equipment line in Item 7 is substantial. IV chairs, a halogenerator, lab and treatment equipment and technology may be financed separately through infusion equipment financing and leasing, which can preserve cash for opening.
Working Capital
The FDD budgets $75,000 to $150,000 for the first three months. Holding more can help if early client volume builds slowly. A working capital line for infusion businesses can help once the center is operating.
Seller Financing on Resales
If you buy an operating center later, a seller note may cover part of the price. Lenders generally require it to be subordinate to the main loan, and program rules can limit its terms.
SBA Loans for Well Infused Franchisees
Well Infused appears on the SBA Franchise Directory under code S8852 with one note: the franchisor may not enforce the purchase option on real estate owned by the franchisee or an affiliate if that real estate is taken as collateral for an SBA loan. In plain English, if you own your building and pledge it to secure the loan, the franchisor’s right to buy that property cannot be used against the lender’s collateral.
The SBA 7(a) program maximum is currently $5 million, and program rules can change. Because the medical services run through a professional entity, expect your lender to review the Management Services Agreement as part of SBA eligibility and to ask how the franchisee entity earns its revenue. Our SBA loan calculator can help you test payment scenarios while you plan.
How Lenders Evaluate a Well Infused Deal
Net Worth and Liquidity
With a stated investment that can exceed $1 million, lenders look at how much cash remains after your equity contribution and whether you can carry the center through a 6 to 12 month opening period.
Experience
Healthcare management, med spa, wellness or multi-site retail experience helps. If you will not run the center yourself, the general manager’s background and the nurse practitioner hiring plan become part of the review.
Business Plan and Projections
Projections should cover service mix, membership or package pricing if offered, nurse practitioner and staff costs, supply costs from designated vendors and all franchise fees. Our article on infusion business loan requirements outlines what underwriters usually expect. If you plan to emphasize hormone therapy, our hormone therapy clinic financing article adds useful context.
The FDD and Agreements
Lenders review the franchise agreement, the Management Services Agreement and Items 5 through 7, 10 and 17. Item 10 states that the franchisor and its affiliates do not offer financing. The 2025 FDD includes an Item 19 financial performance representation based on one affiliate-owned center; review it carefully with your accountant, and review Items 3 and 4 for any litigation or bankruptcy history.
Site and Lease
The lease must permit medical and wellness use, and the term should support the loan. Item 12 gives a designated area with territorial protection but not an exclusive territory, and the franchisor reserves rights such as special locations, so read those terms before you commit to a site.
Real-World Scenarios
A nurse practitioner who wants to own. A nurse practitioner plans to open a center and also provide clinical services. The lender reviews how the professional entity and Management Services Agreement interact with the owner’s dual role.
A business owner with a general manager. An experienced operator from another industry hires a general manager and a nurse practitioner. The lender focuses on management depth, reserves and the hiring timeline.
Common Mistakes to Avoid
- Sizing the loan from the stated total without confirming the Item 7 line items
- Holding only the minimum three-month reserve for a 6 to 12 month opening timeline
- Overlooking how revenue flows through the Management Services Agreement
- Hiring the nurse practitioner and general manager too late
- Leaving the local marketing minimum and technology fee out of projections
Our article on infusion center loan mistakes covers more pitfalls to avoid.
Next Steps to Secure a Well Infused Franchise Loan
Step 1: Get the current FDD. Request the latest disclosure document and the Management Services Agreement.
Step 2: Hire advisors. Have a franchise attorney, a healthcare attorney and an accountant review the documents.
Step 3: Plan the team. Identify your general manager and nurse practitioner candidates.
Step 4: Build projections. Model service mix, staffing, supplies and every franchise fee.
Step 5: Secure a site. Find space in the 1,800 to 2,500 square foot range and get a letter of intent.
Step 6: Talk with a financing specialist. Bring tax returns, a personal financial statement and proof of equity, and compare SBA, conventional and equipment financing.
Well Infused Franchise Loan FAQs
How much does a Well Infused franchise cost?
The 2025 FDD states an estimated initial investment of $324,450 to $1,048,500. Confirm the high end with the franchisor, because the printed line items add to more than that figure.
What is the Well Infused franchise fee?
The initial franchise fee is $50,000, according to the 2025 FDD.
What royalty does Well Infused charge?
The royalty is 7% of Gross Sales, with a 2% brand fund contribution and local marketing of the greater of $500 or 2% of Gross Sales per month.
Is a Well Infused franchise loan eligible for SBA financing?
Yes, the brand is listed on the SBA Franchise Directory under code S8852. Each borrower and project must still qualify.
Do I need a medical license to own a Well Infused?
Not according to the FDD’s structure. Medical services are supervised by a medical director through a professional entity, and you must engage at least one nurse practitioner. State rules vary, so confirm with healthcare counsel.
How much liquid capital do I need?
We could not verify a published minimum. Ask the franchisor for its requirements, and expect lenders to look for an equity contribution plus reserves.
Does Well Infused offer financing?
No. Item 10 of the 2025 FDD states that the franchisor and its affiliates do not offer direct or indirect financing.
How long is the franchise term?
The term is 10 years, with two additional 10-year successor terms if conditions are met.
How long does it take to open a Well Infused center?
The 2025 FDD says the typical time from signing to opening is 6 to 12 months.
Can I buy an existing Well Infused center?
Transfers are allowed with approval once a center has opened, subject to a transfer fee and the franchisor’s right of first refusal.
Final Thoughts
Well Infused offers a defined model for IV, hormone and regenerative services, but it is a young franchise system with a medical structure that lenders will study closely. Owners who confirm the Item 7 figures, carry reserves beyond the three-month line, build a strong clinical and management team and understand the Management Services Agreement will present the strongest Well Infused franchise loan requests.
US Medical Funding helps IV therapy and infusion business owners finance start-ups, equipment and growth, including franchise locations. Learn more about our infusion therapy financing programs.
